BILLINGS- According to a report by the employment website Career Builder, 78 percent of American workers are living paycheck to paycheck.

With payday coming up for most of us, the stress on furloughed government employees continues to mount.

Montana Credit Unions, a statewide trade group, announced Friday its member institutions are launching new programs to help, including payment skips and extensions and fee waivers.

Montana banks all across the state are also offering assistance to federal employees as well.

In Billings, Valley Credit Union is offering a skip-a-payment with no fee to help their affected members manage their bills.

Sky Federal Credit Union in Livingston is offering a two-month payment skip with no fee on loans.

Park Side Federal Credit Union in Whitefish is also officer a two-month payment skip.

And Rocky Mountain Credit Union in Helena is offering no payment for 45 days on loans.

“We have given our lenders the flexibility to look for low or no-impact solutions for our members affected by the government furlough” stated Jim Carter, Vice President of Lending and Member Services for Montana Federal Credit Union.

Additionally, the personal finance website Bankrate.com reports that one-quarter of Americans, around 55 million people, have no savings at all.